Getting a mortgage is a big deal. Your choice of a mortgage lender should be too. Empire RE Properties has a well-earned, established reputation. Find out why we’re different, and why that difference will matter to you.
What are the benefits of using a Mortgage Broker?
Unlike a bank, which is limited to offering you mortgages from its product line only, a mortgage broker can offer you multiple loan options from multiple lenders, many of which you’d likely not have known about.
With so many confusing mortgage options and offers to choose from, and with the constant refrain of “Lowest rate! Lowest rate!” echoing across the Internet, it’s no wonder many homebuyers choose to work with a mortgage broker who has the ability to shop your loan request to many lenders locally and nationwide.
How we’re different, and 5 reasons you should care.
1. Commitment to transparency. No surprises.
At Empire, we treat you how we want to be treated. If you’re concerned about a “salesman” or an Internet ad luring you in with a “low rate” only to find out later the quoted rate was a “bait and switch,” then you’ll like doing business with us. We’re transparent from the very start about what interest rate you qualify for and will disclose exactly how much it will cost to close your loan. We also won’t change our pricing after giving you a Loan Estimate. You’ll walk confidently into closing knowing the fees associated with and terms of your loan. No surprises.
2. Commitment to consultative relationships. No order takers
At Empire, we take a consultative approach to your mortgage. This means we take the time to understand your short- and long-term goals, educate you about your options, and help you choose a loan. What “consultative” also means is if you ask us for a loan we think might be a mistake, or not entirely fit for your situation, we won’t just “take your order” without question. We’ll make sure you understand possible drawbacks and other available options, so you land the loan that fits your unique needs.
3. Commitment to alternatives. No situation is too complex.
Has a traditional bank turned you down? Think your situation might be too complex for a lender to offer you mortgage terms you can live with? Think again. We at Empire offer you multiple lending options through multiple channels. We’ll shop for the loans that fit you, and provide as many alternatives as possible to get it done.
4. Timely transactions. No slackers.
When you’re buying in a competitive market, timeliness matters. We, at Empire, move fast and work hard to close your loan quickly, so ask your Loan Advisor what our current days-to-close is running if speed matters to you.
5. California expertise. No strangers – we’re local to your neighborhood.
You’ll be glad we’re in your neighborhood we’re intimately familiar with the areas and neighborhoods you’ll be buying into. The California housing market is unique and Empire RE & Mortgages will help you navigate the hurdles.